Cheapest car insurance in Miami, Florida

Florida requires PIP and property damage liability of 10/20/10. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.

Pulled directly from carrier rate filings for this city.

With 442,000 residents, Miami sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 42% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, rates here land close to the national baseline we track.